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Eric Boyum Inspire Advisor, 15232 Fiesta Way, Caldwell, ID (2026)

08/25/2026

Faith-Based Investing Is NOT an Excuse for Bad Investing

08/24/2026

Many people inherit wealth before anyone has taught them how to manage it. That is not a character flaw in the heir. It is a planning failure—and one the current generation still has time to correct.

Families often assume their children will simply know what to do when the time comes. They believe intelligence, good intentions, or a strong work ethic will be enough. But what separates families who transfer wealth successfully is rarely the size of the estate or the sophistication of the legal documents. It is whether the next generation was prepared to receive the responsibility that comes with the assets.

Preparation is often less complicated than families expect.

It means heirs know that an estate plan exists and understand, at least generally, how it is intended to work. They learn this before the funeral, not during the emotional and administrative confusion that follows it.

It means they have experience handling real money and making meaningful financial decisions. Ideally, they are also allowed to make a few mistakes while the consequences are still small enough to become lessons rather than disasters.

Most importantly, it means someone has explained what the family’s wealth is for. An inheritance without a clearly communicated purpose can quickly feel like a windfall, and windfalls are often consumed. Wealth connected to a purpose is more likely to be treated as a responsibility.

For families who view wealth as entrusted rather than simply owned, this is where stewardship becomes practical. You are not only transferring accounts, property, and investments. You are transferring the responsibility to manage those resources wisely, generously, and in accordance with the values that helped create and preserve them.

Legal documents can transfer ownership, but they cannot transfer wisdom. Trusts can place boundaries around assets, but they cannot teach judgment. Beneficiary designations can determine who receives the money, but they cannot explain why the money matters or what it was intended to accomplish.

The hardest part is rarely deciding what to say. It is beginning the conversation while it still feels premature. Families who wait for the perfect moment often discover that the moment arrived before the heirs were ready.

A successful inheritance is not measured only by whether the assets arrive intact. It is measured by whether purpose, wisdom, and responsibility arrive with them. Money can be transferred in a matter of days, but the character and judgment required to manage it take years to develop. The greatest legacy you leave may not be the wealth itself, but the preparation that allows the next generation to receive it without being controlled by it.

At Inspire Advisors Northwest Group, we help families prepare both the financial plan and the people who will one day inherit it. We can help you clarify the purpose of your wealth, coordinate with your estate attorney and tax professionals, and begin productive conversations with the next generation before a crisis forces them to learn everything at once. Contact Inspire Advisors Northwest Group to schedule a confidential family wealth and legacy conversation and begin preparing your heirs for more than an inheritance.

If you want us to look at your portfolio, schedule a brief call:
https://calendly.com/ericboyum/15-minute-phone-call

08/22/2026

Does biblically responsible investing force you to choose between your convictions and a diversified portfolio?

That is one of the most common objections to biblically responsible investing.

Yes, screening reduces the number of available investments. But a reduced investment universe is not necessarily a narrow one.

According to Inspire Investing, Inspire Insight maintains Inspire Impact Scores on more than 30,000 companies worldwide, and approximately 92% currently pass all of its biblical screening criteria. 1 That still leaves investors with a substantial universe of companies from which to build a portfolio.

Owning an unscreened market index does not mean your money is distributed equally across every company. Market-cap-weighted indexes can become heavily influenced by their largest holdings. In April 2026, Vanguard reported that the Magnificent Seven represented approximately 30% of the U.S. stock market. 2 A portfolio can therefore own thousands of securities while still having a meaningful portion of its performance tied to a relatively small group of companies.

Diversification should not be judged by the number of ticker symbols alone.

The number of holdings matters, but so does how the portfolio is distributed across asset classes, industries, sectors, company sizes, geographies, and business models.

The right question is not simply, “How many companies were excluded?” It is, “Does the portfolio still provide appropriate exposure across the areas needed to support the investor’s goals and manage risk?”

Where screening has a genuine effect is in how the portfolio performs relative to an unscreened benchmark.

A screened portfolio will not perfectly mirror a traditional index because it does not own every company in that index or hold each company at the same weight. Investor.gov describes this divergence as tracking error. 3 When excluded companies lead the market, the screened portfolio may underperform the benchmark. When those companies fall behind, the screened portfolio may outperform it. Neither is guaranteed.

That is the honest trade-off.

It is not automatically a loss of diversification. It is the acceptance that a portfolio intentionally built around biblical convictions will look and perform differently from an unscreened benchmark.

Christian investors do not have to choose between ignoring what they own and abandoning sound investment principles. They need a disciplined process that considers both biblical alignment and responsible portfolio construction. Conviction should shape the portfolio, but it should not replace diversification, risk management, or thoughtful financial planning.

At Inspire Advisors Northwest Group, we help Christian investors understand what they own, identify holdings that may conflict with their convictions, and evaluate whether their portfolios remain appropriately diversified for their goals, time horizon, and tolerance for risk. Reach out to schedule a confidential portfolio review.

https://calendly.com/ericboyum/15-minute-phone-call

08/21/2026

By the time most families realize the wrong person was managing the money, the person who was managing it is already gone.

In a majority of married households, one spouse handles the finances. They know the passwords, the advisor, the accountant, the reason a particular account exists. The other spouse trusts them completely, which is usually reasonable and occasionally catastrophic.

When that spouse dies first, the survivor inherits a system they have never operated, during the worst weeks of their life. Not just the accounts, but the logic behind them. Why is money sitting there? Which of these was already handled? Who do I call?

What makes this preventable is that the fix costs nothing. Both spouses should know where the assets are held, who the professionals are and how to reach them, roughly why the plan is built the way it is, and what needs to happen in the first ninety days. Not because the arrangement should change, but because knowledge held by one person is not a plan.

We would suggest something specific. Once a year, at a minimum, the spouse who does not manage the money should walk through the full picture out loud. Until they explain it back and understand the reasons and purposes behind each one.

The goal is not to make both spouses financial experts. It is to ensure that grief is not followed by confusion, avoidable mistakes, or dependence on professionals the surviving spouse barely knows. A sound financial plan should continue to work when either spouse is the one left to carry it forward. If only one person understands the plan, the family does not truly have a plan. It has a single point of failure.

At Inspire Advisors Northwest Group, we help couples build financial plans that both spouses can understand and confidently carry forward. We organize the accounts, clarify the purpose behind each decision, coordinate with the other professionals involved, and make sure neither spouse is left wondering what to do next. Contact us to schedule a conversation and begin creating a plan that protects not only your wealth, but also the spouse who may one day have to manage it without you.

If you want us to look at your portfolio, schedule a brief call:
https://calendly.com/ericboyum/15-minute-phone-call

08/20/2026

If you are age 70½ or older and regularly give to your church from your checking account, you may be paying federal income tax on money that could have gone directly from your IRA to the ministry you support.

A qualified charitable distribution, commonly called a QCD, allows an eligible IRA owner to direct the IRA custodian to send money directly to an eligible charitable organization. When the requirements are met, the portion of the distribution that would otherwise be taxable is generally excluded from gross income.

A QCD is not simply another charitable deduction. Instead, the qualifying distribution generally never enters your taxable income in the first place. For 2026, an eligible IRA owner may exclude up to $111,000 of qualified charitable distributions from gross income. A QCD may also count toward the owner’s required minimum distribution for the year.

The amount of Social Security benefits subject to federal income tax is determined using a calculation that includes adjusted gross income. Medicare also uses modified adjusted gross income from a prior tax return when determining whether income-related surcharges apply to Part B and Part D premiums. As a result, keeping a qualifying IRA distribution out of income may, depending on the rest of your tax situation, affect more than your federal income tax bill.

The benefit is not automatic, and the rules matter. You must be at least age 70½ when the distribution is made. The payment must come directly from an eligible IRA and be made payable to an eligible charitable organization. The funds cannot first be distributed to you and then donated. Ongoing SEP and SIMPLE IRAs are generally excluded, and you cannot also claim a charitable deduction for the portion of a QCD that was excluded from income. You should also obtain the appropriate written acknowledgment from the charity.

Timing matters as well. A taxable IRA distribution that has already been paid to you cannot later be reclassified as a qualified charitable distribution.

A QCD simply changes the path the money takes—and that path may allow you to reduce unnecessary taxes while preserving more of your resources for future giving, family, and the purposes God has placed on your heart.

At Inspire Advisors Northwest Group, we help charitably inclined retirees coordinate their giving with required minimum distributions, IRA withdrawal strategies, and their broader financial and tax plans. Before making your next significant church contribution or taking your next IRA distribution, contact Inspire Advisors Northwest Group for a confidential review. We will help you evaluate whether a qualified charitable distribution is appropriate, coordinate the strategy with your tax professional and IRA custodian, and make sure the details are addressed before the funds are transferred.

If you want us to look at your portfolio, schedule a brief call:
https://calendly.com/ericboyum/15-minute-phone-call

Disclaimer: Investment advisory services are offered through Inspire Advisors, LLC, an SEC-registered investment adviser. Registration
does not imply a certain level of skill or training. This material is for informational and educational purposes only and is not intended as
individualized investment, tax, legal, or other professional advice or as a recommendation to buy, sell, or hold any particular security. Tax
laws, rules, and individual circumstances vary and may change over time. Qualified charitable distributions are subject to specific
eligibility and procedural requirements, and their tax treatment and potential benefits depend on individual circumstances. Consult your
tax professional regarding whether a qualified charitable distribution is appropriate for your specific situation. Investing involves risk,
including the possible loss of principal. No investment strategy guarantees positive investment results or achievement of investment
objectives. Information obtained from third-party sources is believed to be reliable but has not been independently verified.

08/19/2026

Your financial advisor, your CPA, and your estate attorney have probably never spoken to each other. For most
families that is fine. Above a certain level of complexity, it starts costing real money.
Each professional sees one slice. The advisor manages the portfolio. The CPA handles tax returns. The attorney
drafts legacy and legal documents. Each does competent work inside their lane, and the gaps between the lanes
belong to you.
That is where the expensive things happen. An account titled in a way that undoes what the trust was built to
accomplish. A conversion executed in a year the CPA would have advised against, had anyone asked in advance.
A beneficiary designation that contradicts the estate plan entirely. None of these are mistakes exactly. Each one
is a decision made without information another professional already had.
The fix is unglamorous. Someone has to own coordination, and the professionals need permission to talk to each
other directly rather than relaying through you. One conversation a year among all three, before decisions are
executed rather than after, encourages every professional to pull in the same direction.
Ask yourself a simple question. If your attorney changed something material in your estate plan tomorrow,
would your advisor find out? If the honest answer is only if you happened to mention it, the gap is already there.
The issue is not whether you have good professionals. It is whether their advice works together. A sophisticated
plan can still fail at the seams when no one is watching how one decision affects others. The right question is not
simply, “Who is my advisor, CPA, and attorney?” It is, “Who is making sure they are all solving the same
problem?” If no one owns that responsibility, it belongs to you by default.
At Inspire Advisors Northwest Group, we see ourselves as the conductor of your financial orchestra—helping
you and every professional who is working with you to be reading from the same sheet of music and playing in
harmony with your goals.

If you want us to look at your portfolio, schedule a brief call:
https://calendly.com/ericboyum/15-minute-phone-call

Disclaimer: Investment Advisory Services are offered through Inspire Advisors, LLC, a Registered Investment Adviser with the SEC. This
article is for educational purposes only and is for general information ONLY and is NOT intended to provide specific advice or
recommendations for any individual. Individual financial, legal and/or tax matters should be discussed with your financial, legal and/or
tax professional. Biblically Responsible Investing ("BRI") and Inspire Impact Scores utilize proprietary faith-based screening criteria that
are subjective in nature and may differ from the views of other investors. Scores are intended for informational purposes only and are
not indicative of investment performance. Investments selected using BRI criteria may underperform or outperform investments that do
not use such criteria. Investing involves risk, including the possible loss of principal. No investment strategy, including biblically
responsible investing, guarantees positive investment results or achievement of investment objectives. This article should not be
construed as a recommendation to buy, sell, or hold any particular security. Information obtained from third-party sources is believed to
be reliable but has not been independently verified.

08/17/2026

You can take the charitable deduction this year and decide which charities actually receive the money later. That is the entire idea behind a donor advised fund, and most people have never had it explained to them.

A donor advised fund works something like a charitable savings account. You contribute assets to an account held at a sponsoring organization, and the contribution is generally deductible in the year you make it, subject to the limits that apply to your situation. The money can then be invested and grow without being taxed along the way. When you are ready, you recommend grants to the charities you want to support, whether that happens next month or over the next decade.

Two features make this genuinely useful. The first is timing. You can take the deduction in a high income year, such as one with a business sale or an unusually large bonus, and give the money away gradually afterward. The second is what you contribute. Donating appreciated securities you have held long term can allow the full value to go to charitable use without first realizing the gain.

There is one thing to understand clearly. The contribution is irrevocable. Once assets go in, they are no longer yours, and you hold advisory privileges rather than ownership. Sponsors also differ in their fees, minimums, and grant policies.

For households already giving consistently, this is worth a conversation with your tax professional.

If you want us to look at your portfolio, schedule a brief call:
https://calendly.com/ericboyum/15-minute-phone-call
Disclaimer: Investment Advisory Services are offered through Inspire Advisors, LLC, a Registered Investment Adviser with the SEC. This article is for educational purposes only and is for general information ONLY and is NOT intended to provide specific advice or recommendations for any individual. Individual financial, legal and/or tax matters should be discussed with your financial, legal and/or tax professional. Biblically Responsible Investing ("BRI") and Inspire Impact Scores utilize proprietary faith-based screening criteria that are subjective in nature and may differ from the views of other investors. Scores are intended for informational purposes only and are not indicative of investment performance. Investments selected using BRI criteria may underperform or outperform investments that do not use such criteria. Investing involves risk, including the possible loss of principal. No investment strategy, including biblically responsible investing, guarantees positive investment results or achievement of investment objectives. This article should not be construed as a recommendation to buy, sell, or hold any particular security. Information obtained from third-party sources is believed to be reliable but has not been independently verified.

08/16/2026

The company that signs your paycheck probably should not also be your single largest investment. Many people end up in exactly that position without ever deciding to.

It happens gradually and for understandable reasons. Stock grants vest year after year. The employee purchase plan is a good deal, so you participate. The shares have done well, so selling feels like a mistake and triggers a tax bill you would rather not think about. Ten years later, a large share of your net worth sits in one company.

The problem is not the company. It is that your income, your health coverage, your retirement account, and your investment portfolio have all become the same bet. If that business struggles, you may face a layoff and a portfolio decline in the same quarter, at the precise moment you need liquidity most.

This is what concentration risk actually looks like in a household. It is not a market view about whether the stock is good. It is a structural question about how many of your outcomes are tied to one outcome.

Unwinding it takes care rather than urgency. Vesting schedules, holding periods, plan rules, trading windows, and the tax consequences of selling all shape what is reasonable and over what timeline.

If a meaningful portion of your net worth sits in your employer, it is worth mapping deliberately rather than discovering the concentration during a hard quarter.

If you want us to look at your portfolio, schedule a brief call:
https://calendly.com/ericboyum/15-minute-phone-call

Disclaimer: Investment Advisory Services are offered through Inspire Advisors, LLC, a Registered Investment Adviser with the SEC. This article is for educational purposes only and is for general information ONLY and is NOT intended to provide specific advice or recommendations for any individual. Individual financial, legal and/or tax matters should be discussed with your financial, legal and/or tax professional. Biblically Responsible Investing ("BRI") and Inspire Impact Scores utilize proprietary faith-based screening criteria that are subjective in nature and may differ from the views of other investors. Scores are intended for informational purposes only and are not indicative of investment performance. Investments selected using BRI criteria may underperform or outperform investments that do not use such criteria. Investing involves risk, including the possible loss of principal. No investment strategy, including biblically responsible investing, guarantees positive investment results or achievement of investment objectives. This article should not be construed as a recommendation to buy, sell, or hold any particular security. Information obtained from third-party sources is believed to be reliable but has not been independently verified.

08/15/2026

Rebalancing asks you to sell some of what has been working and buy more of what has not. It feels wrong every single time, which is most of the reason people skip it.

Here is what happens when you do not. Suppose you decided on a mix of stocks and bonds that fit your situation. After a strong stretch in the stock market, that side of the portfolio grows faster, and its share of the total quietly expands. You never chose to take more risk. Drift chose it for you, and it usually happens during the calmest periods, when nothing feels like it needs attention.

Rebalancing simply returns the portfolio to the mix you selected. That is worth being precise about, because rebalancing is often oversold as a way to improve returns. In some periods it helps and in others it costs you. What it reliably does is keep your actual risk close to the risk you intended to take, which matters most when conditions turn.

The mechanics are less important than the discipline. Some households review on a schedule, others when an allocation drifts past a set threshold. Either approach works better than deciding in the moment, because in the moment the decision is nearly always harder.

Taxes and account type affect how this is best executed, and rebalancing inside a retirement account raises different questions than doing it in a taxable one.

The point is not to be clever. It is to end up holding what you actually chose.

If you want us to look at your portfolio, schedule a brief call:
https://calendly.com/ericboyum/15-minute-phone-call

Disclaimer: Investment Advisory Services are offered through Inspire Advisors, LLC, a Registered Investment Adviser with the SEC. This article is for educational purposes only and is for general information ONLY and is NOT intended to provide specific advice or recommendations for any individual. Individual financial, legal and/or tax matters should be discussed with your financial, legal and/or tax professional. Biblically Responsible Investing ("BRI") and Inspire Impact Scores utilize proprietary faith-based screening criteria that are subjective in nature and may differ from the views of other investors. Scores are intended for informational purposes only and are not indicative of investment performance. Investments selected using BRI criteria may underperform or outperform investments that do not use such criteria. Investing involves risk, including the possible loss of principal. No investment strategy, including biblically responsible investing, guarantees positive investment results or achievement of investment objectives. This article should not be construed as a recommendation to buy, sell, or hold any particular security. Information obtained from third-party sources is believed to be reliable but has not been independently verified.

08/14/2026

Claiming Social Security is one of the largest financial decisions most households will ever make, and a surprising number of people make it by accident.

The decision often gets reduced to a single question of whether to claim as early as possible or wait. Waiting generally increases your monthly benefit for the rest of your life, and claiming earlier generally reduces it. That much is straightforward. What makes this genuinely difficult is that the right answer depends on factors that have nothing to do with the benefit formula.

Your health and family longevity matter, because this is fundamentally a decision about a lifetime income stream. Whether you are still working matters, since earnings before full retirement age can temporarily reduce benefits. If you are married, the decision is rarely individual at all, because one spouse's claiming choice can affect what a survivor receives for the rest of their life. Taxes matter too, since benefits can become partially taxable depending on your other income.

That last point connects to something people rarely consider in advance. How you draw from retirement accounts in the years before claiming can change what your benefits look like afterward.

None of this argues for claiming early or waiting. It argues for treating this as a planning decision made on purpose, ideally several years before you face it, rather than a form you complete in a difficult month.

If you want us to look at your portfolio, schedule a brief call:
https://calendly.com/ericboyum/15-minute-phone-call

Disclaimer: Investment Advisory Services are offered through Inspire Advisors, LLC, a Registered Investment Adviser with the SEC. This article is for educational purposes only and is for general information ONLY and is NOT intended to provide specific advice or recommendations for any individual. Individual financial, legal and/or tax matters should be discussed with your financial, legal and/or tax professional. Biblically Responsible Investing ("BRI") and Inspire Impact Scores utilize proprietary faith-based screening criteria that are subjective in nature and may differ from the views of other investors. Scores are intended for informational purposes only and are not indicative of investment performance. Investments selected using BRI criteria may underperform or outperform investments that do not use such criteria. Investing involves risk, including the possible loss of principal. No investment strategy, including biblically responsible investing, guarantees positive investment results or achievement of investment objectives. This article should not be construed as a recommendation to buy, sell, or hold any particular security. Information obtained from third-party sources is believed to be reliable but has not been independently verified.

Eric Boyum Inspire Advisor

08/25/2026

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